Nationwide

This is in response to the follow up inquiry of December 16, 2016.
The check was issued on December 7, 2016 and was cleared by our bank on December 13, 2016.With regards to the loss of use, we explained to [redacted] on December 2, 2016, that we would accept 75% responsibility for the rental. She indicated her vehicle was drivable, and would not need a rental until it was placed in for repairs. We contacted her again on December 21, 2016, and she both confirmed she had received the check, and that she had not scheduled the vehicle for repairs yet. We advised her to contact us when she has scheduled repairs, and we would arrange the rental.
Should you require any further assistance in this matter, please contact our Customer Advocacy Coordinator, [redacted] at ###-###-#### or via email at [redacted]
Sincerely, David [redacted]

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This letter is in response to the inquiry received from your office on September 29, 2014. This file has been referred to me for review of matters relating to the claims handling. After reviewing the Revdex.com inquiry submitted by [redacted], AMCO Insurance Company understands that [redacted] primary concerns are no return phone calls, poor service, inadequate information provided and the need for a different claims associate to handle [redacted]’ claim to conclusion.
On September 3, 2014, [redacted] reported the above mentioned loss to AMCO Insurance Company; this loss was assigned to [redacted] the same day. [redacted] cleared coverage and called and left a message for [redacted] to discuss this claim on the day it was reported. [redacted] continued to move this claim to conclusion by securing a recorded interview from the other party involved in this loss, [redacted]. [redacted] reported that he was traveling behind [redacted] in stop and go traffic. [redacted] stopped and [redacted] was unable to stop and rear ended [redacted]. [redacted] received a citation for no insurance and agreed that he was at fault for rear ending [redacted]. [redacted] advised [redacted] that he was at fault for this loss and as it appeared [redacted] was not insured,   AMCO Insurance would pursue [redacted] personally for the damages he caused as a result of the above mentioned loss.
On September 4, 2014, [redacted] searched our database to confirm ownership of the vehicle [redacted] was driving at the time of loss and to confirm that this vehicle was uninsured. [redacted] then called and secured a recorded interview from [redacted]. [redacted] confirmed the facts of this loss previously reported by the other party, [redacted]. [redacted] set the expectations with [redacted] that he was not at fault for this loss and if the other party did not have insurance, AMCO Insurance would waive [redacted] $500.00 deductible. [redacted] concluded her conversation with [redacted] by arranging an estimate to be completed on [redacted] vehicle.  In addition, [redacted] clearly advised [redacted] that her portion of the file was concluded and would now be handled by another associate.  A review of the phone recording confirms that she was clear on this point.  [redacted] confirmed that he understood that her portion was complete. 
On September 4, 2014, the results of [redacted]’s search for insurance on [redacted]’s vehicle came back identifying an insurance company, [redacted]. [redacted] filed a claim with this company and concluded her liability decision, finding [redacted] 100% at fault for this loss.
On September 19, 2014, an estimate for the cost of repairs of $ 961.79 was completed on [redacted]’ vehicle for the damages caused in the above mentioned loss.
On September 22, 2014, [redacted] called AMCO Insurance Company and spoke with Claims Associate, [redacted] about getting a second opinion on the damages to his vehicle and he inquired about getting his car seats replaced. [redacted] arranged for another inspection for [redacted] vehicle and advised [redacted] that as the car seats were neither damaged nor occupied, nor positioned near the area of impact, AMCO Insurance Company would not be replacing his car seats. [redacted] acknowledged that he understood and did not request to speak to myself or [redacted] in regards to this claim.
On September 22, 2014, a supplemental appraisal was completed on [redacted] vehicle.
On September 30, 2014, I called [redacted] and left three messages to return my calls to discuss his concerns regarding this claim. In addition, I reassigned this claim to Claims Associate, [redacted], who also called [redacted] on September 30th and left a message to call back to discuss this loss.
On October 1, 2014, I called and spoke with [redacted] about this claim and his concerns. [redacted] indicated that he was very disappointed that he called eight times to [redacted], leaving four messages with no return calls. [redacted] advised that he did receive my information but never called me and “bypassed” me to complain directly to the Revdex.com. I acknowledged [redacted]’s frustration and expressed that I wished he would have come to me directly when he obtained my information as I would have made sure he was taken care of. I advised [redacted] that his claim is now reassigned per his request and that any future communication would be handled by his new claims associate, [redacted]. I then inquired if there was anything further I could assist with while I had him in the phone. [redacted] inquired about his car seat replacements. I advised that this was previously discussed with him and that I agreed with what had already been communicated to [redacted] by Claims Associate, [redacted]; as the car seats had neither been damaged nor were they occupied, nor were they positioned near the area of impact, AMCO Insurance Company would not be replacing his car seats. [redacted] confirmed that he understood and agreed that nothing further was needed from me.
On October 1, 2014, Claims Associate, [redacted] called him to discuss this loss and to assist him with this claim. [redacted] inquired again with [redacted] about the replacement of his car seats. [redacted] reiterated to [redacted] what was previously communicated to him by me and Mr. [redacted]; as the car seats had neither been damaged nor were they occupied, nor were they positioned near the area of impact, AMCO Insurance Company would not be replacing his car seats. [redacted] concluded her call with [redacted] advising that she will follow up with the other insurance carrier and determine if there is an active insurance policy. She also advised him that if there is no insurance that his $500.00 deductible would be waived. If there is insurance, [redacted] will facilitate the repairs of [redacted] vehicle through this company. [redacted] confirmed he understood and had no further questions.
If you require further assistance in this matter, please contact our Customer Relations Coordinator, [redacted], toll-free at ###-###-####, Ext. ##### or by email at [redacted]
Sincerely,
[redacted]
[redacted]
[redacted]
AMCO Insurance Company
Phone: ###-###-####
Email Address: [redacted]

I have reviewed this claim file and would like to address Ms. [redacted]’s concerns. Ifadditional information is required, please do not hesitate to let me know.
Our insured, Erin [redacted] reported this claim through the internet on the evening ofNovember 1, 2016 for the water damage...

to their home that occurred earlier that day. Theclaim was subsequently assigned to Nationwide claims adjuster, Sarah C[redacted] on November2, 2016, who attempted to contact Ms. [redacted], and left a message for a return call. Tohelp mitigate the water damages, Nationwide Insurance assigned [redacted], one of Nationwide Insurance’s On Your Side Property Repair Vendors onNovember 2, 2016 who started the mitigation of cleaning and drying out Ms. [redacted]’sresidence. Ms. C[redacted] spoke with Ms. [redacted] on November 3, 2016 regarding the claim.At that point, Ms. [redacted] requested a hotel and boarding for their pets, as during themitigation process an antimicrobial was sprayed in the home. Ms. C[redacted] approved this. Anestimate for the repairs to the home was completed by [redacted] onNovember 10, 2016. At this point, Mr. and Ms. [redacted] decided that they did not want touse [redacted] for the repairs to their home. As the damages werefairly significant, Ms. [redacted] found some additional damages that Ms. C[redacted] added to theestimate.
The check was issued on November 22, 2016 for $18,875.82 for the repairs to thehome. Ms. [redacted] also sent in pictures, receipts, and a list of personal property that weredamaged. An estimate for these items was completed on November 16, 2016.
After the personal property estimate was complete, and the revisions were made to the estimate fordamages, a check was issued to Mr. and Ms. [redacted] on November 23, 2016 for $1982.70.
A check was also sent to [redacted] for the mitigation process onNovember 23, 2016 for $6,520.70.
At this time, I have spoken with Ms. [redacted] regarding payments issued for mitigation,repairs and the damage to the personal property. Once the repairs have been completed,Nationwide Insurance will release the recoverable depreciation. Mr. and Ms. [redacted] areaware of the documentation that they need to send in to verify repairs have been completed.
If you have any additional questions, please contact [redacted]Angela S[redacted] at ###-###-#### or [redacted]
Sincerely,Jared C[redacted]

My truck was parked in front of my house and a drunk teenage smashed into it and totaled it. He had Nationwide insurance. The adjuster that is supposed to be working with us ignores all of our calls. When we try to talk to someone else, they say they can't help us. I think this company is completely shady and they are only out to cover their butts and screw people over. They could care less about the customers. I hope I never have to work with them again. I will never have their insurance. [redacted] and [redacted] are much better companies to work with. I feel sorry for anyone that chooses to work with this company or purchase their insurance.

[redacted],Per our conversation yesterday, February 16, attached are copies of the emails I received from Phil Favret beginning on February 14 and my responses.We have come to an agreement and Favret will be installing the correct unit (25HNB636) on Thursday, February 23. As I indicated to you yesterday, I will follow up with you after the re-installation via email to confirm that all work has been completed.If you have any questions, let me know.[redacted]

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This letter is a response to the complaint filed by [redacted] regarding his Automobile policy with your agency. The balance for the policy as of February 7, 2014 equaled $465.64. Nationwide sent a payment notification in the amount of $232.82 due to draft on March 3, 2014. We received a payment of $232.82 on that day. Subsequently, the policy cancelled by request, effective March 3, 2014, and $313.39 was credited to the billing account for unearned premium leaving a credit of $80.57. The credit of $80.57 was refunded on March 10, 2014.
Automobile policy premiums are calculated on a six-month policy term. The charges to cover the upfront expenses involved in issuing the policy are spread throughout the entire six-months. When a policy is cancelled at the customers' request prior to the six-month renewal date, the upfront costs incurred by Nationwide are charged. The short rate charged when canceling a policy before the end of its term is developed from a chart supplied to all insurance companies from the North Carolina Rate Bureau. All of Nationwide’s rating plans are filed in compliance with the North Carolina Department of Insurance.
Included is a copy of Endorsement 3458A (see attached), which is included with the policy jacket that was sent to [redacted] at the time of inception. Please refer to page 5, under General Provisions, which states that if the named insured cancels the policy, the premium owed or premium refund will be calculated according to the short rate provisions contained in our manuals. Endorsement 3458 is reflected on the bottom of the customer’s declaration pages (see attached).
We regret that we could not provide desired outcome. Nationwide is a business whose future depends upon the satisfaction of our customers. You can rest assure that we strive to provide our customers with the highest quality service.
Sincerely,
[redacted]
[redacted]
Nationwide Insurance Companies
###-###-#### Ext.######
Email: [redacted]

Nationwide would not renew our policy and gave us a months notice from ONE accident my husband had that they didn't even have to pay out on. Avoid using Jason W[redacted] Nationwide ([redacted]i) or Nationwide altogether. There are so many people in the [redacted] area that drive without insurance, It's bad businesses like Nationwide that will greedily take your payment and kick you for the main reason you have insurance!

[redacted] called [redacted] and explained that the Nationwide policy for [redacted]r was canceled prior to her motor vehicle accident and therefore there is no coverage for this loss. [redacted] understood after [redacted] explained this in detail to [redacted] and she expressed an understanding. [redacted] advised [redacted] to call her insurance company [redacted] and make sure they understand this as well.  [redacted] asked for [redacted] to please call me back if she needs anything further.
[redacted]Casualty Claims Manager

I reviewed the response made by the business in reference to complaint ID
[redacted], and find the resolution is satisfactory to me. Although when
[redacted] said that "I was hesitant in
allowing Nationwide to move my vehicle" she is completely wrong. I have
never spoken to [redacted], and yes,
I did want my claim to be settled by those at fault. Why would I
want a damaged car on 3 wheels sitting in front of my house for 3 weeks? I had
called both [redacted] & [redacted] multiple times on getting the car removed
from the property, only to get some kind of run around.
Regards,
[redacted]

I have had the displeasure of working with the [redacted]A agency, as part of nationwide, three times now.
In the first, I was sold a renters insurance, with itemized coverage for extra photo gear, as well as auto insurance. The deal was ok and I specifically checked all itemized photo gear would be covered. When I asked about the laptop and PC gear I was told it was part of the renter's insurance (FALSE: only theft, fire) already.
I had some items priced WAY lower than value, no options, due to age. I had some items that when died (PC monitor) from overheating, aren't covered; and I've been run around for MONTHS by this agency, with adjustors and agents not returning calls or emails. I'm putting up this review to try to save others from dealing with [redacted]; don't do it. Check reviews, go with your gut; it's a snow job.

This letter is in response to the concerns filed by [redacted] regarding the Smart Ride Discount andadditional discount Mr. [redacted] feels is still owed on the policy.
In review of the Smart Ride Discount that is being received on policy [redacted], Mr. [redacted] iscorrect that the...

discount is not showing a full 40% decrease on the Chevrolet for Bodily Injury,Property Damage, and Collision coverage or the full 26% discount on these coverages for the GMClisted on the Auto policy.Per the Smart Ride emails that are sent weekly to Mr. [redacted] and the Smart Ride Website, as well asthe Nationwide email confirming the Smart Ride discount completion that was sent:
“Your final discount will be applied at your next policy renewal. Discount amount listed is anapproximation and does not apply to all coverage elements. Actual savings will vary based on yourpolicy coverage selections and rating factors.”
The discount amount will not translate into a flat percentage off the final premium as it does notapply to all coverages or policy administration fees. The discount is applied to Bodily Injury,Property Damage, Medical Payments, and Collision based on the rating sequence.
As an example, if the base premium for a coverage is $1,000.00 and a 9% discount for Multi-Policy,40% discount for SmartRide, and a 15% discount for Accident Free is being applied, the premium iscalculated by applying one discount at each step as shown below.
If the discounts were applied as a flat percentage, the discounts added together would be 64%; ifthis was applied to the base premium of $1,000; this would make the final premium $360.00 not$464.10.
Regarding the concern of the premium appearing to be $44.00 more that it should be; after theSmartRide Discount is applied in the rating sequence the policy administration fee is applied andthen term adjustment factor is applied.
If you require further assistance, please contact our [redacted], Dawn H[redacted], at###-###-#### or by email at [redacted]
Sincerely,Jennifer C[redacted]

my car was not suppose to be taken because I was not behind on payments. I was unaware of the check being issued until I wanted my tags of my car. My car was stolen and everything has reflected that.
Regards,
[redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards, [redacted]

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Thank you for your recent inquiry regarding a complaint you received from [redacted].  As Claim Manager, I have reviewed this claim file and would like to address [redacted]’s concerns in regards to the handling of his claim under his own personal automobile policy. If I do not provide the information you need for this matter, please do not hesitate to let me know.
My understanding is [redacted] does not feel his claim has been thoroughly investigated. The liability claim [redacted] is referring was handled out of our North Carolina office in which Claim Manager, [redacted] has addressed.  [redacted] was traveling on behalf of his employer at the time of loss and his medical bills are being paid through the WC compensation insurance.  Should [redacted] incur medical expenses that are not compensable under the WC claim, then we would provide Medical Payments coverage up to the limit of $5,000 under his personal automobile insurance policy.   I have left a message and sent email to [redacted] to call me to discuss his concerns.  [redacted] is on vacation this week.  I am waiting to hear back from him to be sure his other concerns regarding his out of pockets have been addressed.  My follow up is set for Monday. I will mail you an addendum once I hear from him.
Should you have additional questions or wish to discuss, please do not hesitate to call.
Sincerely,
[redacted]
 [redacted]
###-###-####
Email: [redacted]

Thank you for your recent inquiry regarding a complaint you received from [redacted]. Below is the information we gathered regarding this case. If I do not provide the information you need for this matter, please do not hesitate to let me know.
Our records indicate, on February 14, 2015,...

Mr. [redacted] called the [redacted] Agency to add a 2005 Subaru to his policy. After being quoted several deductible amounts and the corresponding premium increases, Mr. [redacted] advised he could not afford the additional premium to add comprehensive and collision coverage to his policy. He then told his agent he wanted liability only for the Subaru. The vehicle was then added per his request.On May 18, 2015, several weeks after being in an accident, Mr. [redacted] called the [redacted] Agency and spoke with office manager [redacted] about the coverage he had on the Subaru. During this conversation Mr. [redacted] was advised it was their practice when quoting or adding vehicles, to give several options but it is ultimately their choice which coverage they purchase. Also discussed was the coverage on his 2003 Dodge. Mr. [redacted] was offered a $1000 deductible on this vehicle to which he declined advising he had to speak with his wife before making the decision.
During our investigation into this matter, no error was found. Lack of the offer of coverages to an insured does not constitute an error. Mr. [redacted] did not request additional quotes for other deductibles for collision and we found the [redacted] Agency followed their normal procedure of discussing the available options with Mr. [redacted]. After being told by Mr. [redacted] he could not afford additional premium and he wanted liability only for the vehicle, the vehicle was added as requested.
Thank you for bringing this matter to our attention. We trust this will resolve all pending concerns. If you should have any questions or wish to discuss the matter further, please feel free to call Betsy S[redacted] at ###-###-#### or email her at[redacted]
Sincerely,
Derrick H[redacted]###-###-####

I am writing in response to the complaint submitted by [redacted] to the Revdex.com on 10/25/2016. She expressed concerns regarding the delayed transfer of her 403(b) account held at her previous employer to a Nationwide Funds Rollover Ira account and the poor customer...

service that she experience. She requested to be reimbursed for the amount that she could have  gained had the IRA rollover been invested in a timely manner. In addition, she wanted to make sure that other Nationwide customers did not have a similar experience.This matter was forwarded to Nationwide's Office of Compliance for review and handling. Our Compliance Office conducted a through investigation regarding Ms. [redacted]'s concerns. While nationwide strives to provide excellent customer service, our investigation showed that we failed to meet our high standards.
During conversations with Ms. [redacted], I discussed the cause of the service issue that she experienced and explained how Nationwide's Office of Compliance was working with our business partners to address it. I also reviewed the calculation used to determine reimbursement for money lost as a result of the delayed 403(b) account transfer to Nationwide. After our conversations, she was satisfied that her complaint was being properly addressed.
Sincerely,
Michael F[redacted]
Compliance Consultant
Attn: Distribution Compliance 
One Nationwide Plaza
Columbus, OH 43215

[redacted]
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[redacted]
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Called [redacted] at ###-###-####, We agreed to settlement of $812.57. The vehicle is currently located at her grandfathers [redacted]. She is going to get plates in the morning and then we can pick up. I emailed her a UPS label to return her title to us:
Hello [redacted] -
Here is the UPS label to return your title and payment information to me.
We will get the vehicle picked up in the next few days and should be able to issue payment as soon as we get your title.
Thank you,
[redacted]
I advised we should be able to settle by end of week if paperwork returned and vehicle picked up.
She agreed.
Claim opened and assigned to [redacted]

Had an auto loan and paid off.
Nationwide Bank has sent a Title with the previous lien holder name on it ([redacted]).
when I went to DMV to register,DMV said "NO" they can't accept as the title has [redacted] but not Nationwide bank.
Called 30 Times (15 times people hang up for no reason,call waiting times have been at east 15 times each time when I called.
Finally I was able to get hold of some one on the call [redacted]), luckily this gentleman provided his direct number for any questions in this process but I called at least 12 times and left a voice mail every time but unfortunately I have no luck this time too.
Trying to reach Nationwide Bank and every time I will be forwarded to this loan department but I have hard time getting my title.
LASTLY my car registration is expiring next week and I can't even drive my car..
LOYAL,DISAPPOINTED NATIONWIDE CUSTOMER
[redacted]

Thank you for your recent inquiry regarding a complaint you received from [redacted]. As Material Damage Manager, I have reviewed this claim file and would like to address **. [redacted]’s concerns. If I do not provide the information you need for this matter, please do not hesitate...

to let me know.Please be advised that the policy number that was attached to this complaint was incorrect and the policy that this claim was handled under is listed above.
[redacted] had a personal lines auto policy with us at the time of this loss.
The concern regarding the claim being a not at fault loss and it being reported on [redacted]’s driving record
A claim was reported to us on January 22, 2014. The facts of loss as reported stated V1, [redacted]’s, struck a stationary object. Our claims adjuster reached out to [redacted] and she indicated she did not wish to pursue a claim through us so the claim was closed without payment. As there were no payments issued on the claim, we did not deem this a chargeable loss.
In reviewing this complaint, I reached out to the [redacted] Bureau of Motor Vehicles and spoke with [redacted] at ###-###-####. [redacted] advised they get their information from police reports regarding fault. [redacted] reviewed the information they have for this loss and indicated there was a police report which indicated it was a single vehicle loss. The description was: “unit 1 backing, struck a pole/parking barrier.”
If there is an error on the police report that led to the State of [redacted] being notified [redacted] was at fault, she would need to contact the police department and amend the report.
Based on my review, this claim was properly handled. However, I am sorry that the outcome was not satisfactory to [redacted]. We strive to meet our customer’s needs, but understand that sometimes we are unable to do so. If you should have any questions or wish to discuss the matter further, please feel free to contact [redacted], Office of [redacted] at ###-###-#### or email her at [redacted]
Sincerely,[redacted]Nationwide###-###-####[redacted]

[redacted] ** [redacted]
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 Complete the enclosed  request...

form to To help us finalize your Injury claim as quickly as possible, please complete and
your claim return the enclosed form.
Claim details
Insurer: Nationwide Mutual Insurance Company
Policyholder: [redacted]
Claimant: [redacted]
Claim number: ############
Loss date: 09-1 0-2013
What you need to do
Please complete and sign the enclosed Full and Final Release of All Claims form
and return It to me by mall at One Nationwide Gateway Dept. [redacted]
[redacted]
 as soon as possible.
For help when you need It
Thank you for your help in resolving this claim as quickly as possible. If you have
any questions or concerns, please contact me at ###-###-#### or
[redacted]
Sincerely,
[redacted]
Nationwide Mutual lnsurance Company
[redacted]
[redacted]
[redacted]
Ohio law requires the following: Any person who, with intent to defraud or knowing that he/she Is
facilitating a fraud against an Insurer, submits an application or files a claim containing a false or
deceptive statement Is guilty of Insurance fraud.